Office Building Insurance
Whether you own a single-story professional building or a multi-tenant office complex, your building is one of your largest investments. Office building insurance protects the structure, your business property and the rental income that pays the mortgage. Pacific Southwest Insurance Services shops multiple carriers to find coverage that fits owner-occupied and tenant-occupied office properties.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our office building clients include:
- Owner-occupied office buildings
- Multi-tenant office complexes
- Professional and executive suites
- Garden-style office parks
- Converted homes used as offices
- Coworking spaces
Coverage Options
- Building coverage: Repairs or rebuilds the structure after fire, wind, theft, vandalism, water damage from burst pipes and other covered causes.
- Business personal property: Covers furniture, computers, fixtures and equipment you own.
- Loss of rents / business income: Replaces rental income or lost profits while the building is being repaired.
- Premises liability: Protects you when a visitor, tenant or contractor is injured on the property.
- Equipment breakdown: Covers HVAC systems, elevators, electrical panels and boilers.
- Ordinance or law: Pays the extra cost of bringing an older building up to current code after a loss.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Construction type and year built
- Square footage and number of stories
- Roof, electrical, plumbing and HVAC updates
- Fire sprinklers and alarm systems
- Occupancy and tenant mix
- Location and distance to a fire station
- Claims history
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Frequently Asked Questions
Do I need insurance if my tenants have their own policies?
Yes. Tenant policies cover the tenant’s own property and liability, not your building. As the owner you need coverage for the structure, your liability and your rental income.
Can I require my tenants to add me as an additional insured?
Yes, and we recommend it. We can review your lease insurance requirements and help you set limits that protect you.
Is earthquake damage covered?
No. Standard commercial property policies exclude earthquake. In California we strongly recommend a separate commercial earthquake or difference-in-conditions (DIC) policy, and we can quote one alongside your property coverage.
Other Properties We Insure
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Office Building Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.